Jiayin Group Inc. (JFIN) stock analysis
Close on Nov 12, 2026Market cap $72.74MP/E 0.3Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed11 of 30 checks passed
Jiayin passes 11 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 3/6
- Past performance
- 5/6
- Financial health
- 3/6
- Dividend
- 0/6
What stands out
Return on equity over 15%
Return on equity was 40.6% over the last twelve months and averaged 84.0% over five years.
Return on capital over 10%
Return on invested capital was 38.6%, above the 10% that usually covers the cost of capital.
Low debt
Debt is 15.1% of shareholders' equity, under the 40% we consider low.
Earnings grew over 5 years
Net income grew 43.4% a year on average over the last five fiscal years.
What to watch
Growing slower than the industry
Revenue grew 7.3% over the last twelve months; the Finance services median is 9.8%.
Net margin below its 5-year average
Net margin was 24.7% over the last twelve months, against a 5-year average of 25.8%.
No dividend
Jiayin has not paid a dividend in the last twelve months.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA against its history
Needs positive EBITDA and price history.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth3/6
Revenue growing 10%+ a year
Revenue grew 23.9% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 10.3% a year over the last three fiscal years.
Earnings growth accelerating
Net income grew 45.4% over the last twelve months, against a 5-year average of 43.4% a year.
Growing slower than the industry
Revenue grew 7.3% over the last twelve months; the Finance services median is 9.8%.
Guidance issued
The latest outlook (first quarter of 2026 loan facilitation volume, Mar 31, 2026) was issued for the first time, so it neither adds nor takes away points.
Gross margin trend
This company does not report gross profit.
Past performance5/6
Return on equity over 15%
Return on equity was 40.6% over the last twelve months and averaged 84.0% over five years.
Return on capital over 10%
Return on invested capital was 38.6%, above the 10% that usually covers the cost of capital.
Return on equity above the industry
Jiayin's return on equity of 40.6% is above the Finance services median of -33.5%.
Earnings grew over 5 years
Net income grew 43.4% a year on average over the last five fiscal years.
Net margin below its 5-year average
Net margin was 24.7% over the last twelve months, against a 5-year average of 25.8%.
Net margin above the industry
Jiayin's net margin of 24.7% is above the Finance services median of -64.5%.
Financial health3/6
Low debt
Debt is 15.1% of shareholders' equity, under the 40% we consider low.
Debt trend
Needs a balance sheet from five years ago with positive equity.
Debt covered by cash flow
Operating cash flow over the last twelve months equals 187% of total debt.
Interest coverage
Interest expense is not reported separately.
Short-term assets cover short-term debts
Current assets are 1.88 times current liabilities.
Bankruptcy risk (Altman Z)
Needs market value, working capital and retained earnings.
Dividend0/6
No dividend
Jiayin has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Jiayin. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $716.37K
- Value traded per 1% price move
- $14.47K
Downside
High risk
- Typical loss in a bad month
- 37.7%
- Volatility (annualized)
- 74%
- Sharpe ratio, 1 year
- -1.21
- Beta to the S&P 500 (5Y)
- 0.99
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2016 to 2025
Operating margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.3% | +23.9% | +36.8% | – | |
| Operating income | +44.0% | +15.0% | +42.9% | – | |
| Net income | +45.4% | +9.2% | +43.4% | – | |
| EPS, diluted | +47.9% | +10.3% | +44.4% | – | |
| Free cash flow | -9.3% | +75.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -42.0% | 40.6% | |
| Return on assets | – | 41.2% | 21.7% | |
| Current ratio | – | – | 1.88 | |
| Capex to revenue | – | 0.1% | 10.2% | |
| Diluted shares | – | 216M | 209M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Jiayin generated CN¥3.39B from operations and spent CN¥1.64B on capital expenditure, dividends and share buybacks. 87% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 24.7% | 0.88× | 1.87× | 40.6% |
| FY2024 | 18.2% | 1.05× | 2.01× | 38.3% |
| FY2023 | 23.7% | 1.26× | 2.39× | 71.6% |
| FY2022 | 36.1% | 1.64× | 3.14× | 185.6% |
| FY2021 | 26.5% | 2.38× | -3.45× | -217.7% |
| FY2020 | 19.5% | 2.12× | -1.02× | -42.0% |
| FY2019 | 23.7% | 2.97× | -0.63× | -44.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zeroCN¥1.54B
- Cash generatingOperating cash flow above zeroCN¥1.26B
- Return on assets improvedROA up on the prior year18.7% → 28.4%
- Earnings backed by cashOperating cash flow above net incomeCN¥1.26B vs CN¥1.54B
- Less leverageLong-term debt to assets fell– → 5.9%
- Better liquidityCurrent ratio rose1.98 → 1.88
- No dilutionShare count did not rise212M → 209M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose1.03 → 1.15
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